ING Premier Recovery Plan

Fund Close at 28 August 2009

Due to the current economic uncertainty, many are fleeing away from the investment market. Wat about you? With ING Premier Recovery Plan, you are about to discover reasons that may compel you to stay.

ING Premier Recovery Plan is a Malaysian Ringgit - deniminated structured fund with a maturity period of 5 years that invests in an Austrarian Dollar - denominated Notes issued by ING Bank N.V. It is a close-ended fund that is offered for a limited period of 45 days only.

• 100% return of your Capital (from here onwards to be known as Austririan Dollar nominal amount) upon maturity.

• Converted Ringgit Malaysia (RM) to Australian Dollar (AUD).

• Opportunity to participate into currency exchange benefits.

• Fixed annual Coupon in the first 4 years of the plan duration.

• Potential additional retunrs at maturity from the recovery of global markets.

• Limited to maximum 5 years investment period.

• Participate into Energy, Technology, Finance & Trades

• 1 Time Management Fees Charged for whole investment Tenure.

• Free insurance protection on DEATH & DISABILITY upto Max 125%

• No exit Fee (during middle of investment time)

• Dynamic investment strategy

• Proffesional fund managers

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Terms&Conditions Apply

INGEasi For Family

Advantages & Disadvantages of Life Products

Traditional Life Product Limitations
• Sum assured and premium are 100% linked up
An increase in premium will lead to a corresponding increase in sum assured. There is no way for policyholders to directmore money towards investment due to this direct link.

• There is no choice of investment
All investment is participated in the Company’s Life fund, where investment is governed by Bank Negara’s guideline. This applies to all policyholders irrespective of their age and risk profile The policyholder does not have any choice in deciding which investment portfolio they wish to invest in. The above constraints make traditional product very inflexible to meet customers’ needs.

Flexibilities Of Unit Linked Products
• Flexibility in determining the amount of sum assured and premium.
Policyholders Decide on the premium (minimum   annual premium of RM1500) depending on their current financial capability and subsequently they can increase/reduce the premium based on their affordability. The same applies to the sum assured.

• Premium top-up to improve investment yield
Policyholders can top-up their premium anytime on ad-hoc basis or on a  fixed interval basis (scheduled top-up).As a result of this, the account value of the plan will be expanded for potentially better yield.

• Choice of fund(s)
Policyholders decide on their preferred fund(s) depending on their risk appetite, investment horizon and financial goal. Policyholders can make fund switching as and when necessary.

SMS or CALL +6012 207 5770

Suggestion: Suitable for those who under employed for them to start a new family.

1. Lowest premium with highest financial protection covered
a. DEATH
b. DISABILITY
c. CRITICAL ILLNESS
d. PERSONAL ACCIDENT
e. MONTHLY INCOME
f. HOSPITAL INCOME

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ING Medical Health Insurance up to Age 80

Your healthcare needs fulfilled at affordable costs

With the escalating costs in today living, it is wise to take measures and exercise prudence in our spending. We are not spared when medical costs increase and we should not compromise on our health.

When an unforeseen event especially concerning health happens to you, your loved ones and friends are also affected. What you need most at this time is to concentrate on immediate treatment and recovery. Mounting hospital bills should be the least of your worries. As our population mortality rate improves, the plan coverage up to age 80 years ensures you receive quality healthcare during the time you need it most.

Attached to ING Prime Life Insurance, this rider covers hospitalisation and out-of-hospital expenses. If you opt for the cashless facility (using ING Medical Card at our panel hospitals), we will pay the medical bills according to the plan you have purchased, without you having to make payment first. For non-cashless facility, you settle the medical expenses first, and submit for reimbursement later.

Escalating costs? No worries, UL MediPlus will be there for you.

Benefits:

• No deductibles.

• Hospitalisation and surgical benefits

• Out-of hospital benefits

• Daily cash allowance if you’re hospitalized at a Malaysian government hospital

• 24 x 7 referral emergency assistance

• Included 60,000 basic life insurance & total permanent disability coverage

The above basic premium shown for Plan 1 which participate into unit link fund investment purposes.

**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.

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ING Prime Capital Insurance

ING Capital Investment

Creating wealth in today’s financial markets
Wealth creation is about accumulation, leveraging and compounding. Sounds complicated? Well, it doesn’t have to be. The idea behind it is simple actually. It is about starting small and building it up over time. The earlier you start, the earlier you become wealthy. The longer you persevere, the wealthier you get.

All these are now possible with the ING Prime Capital Insurance plan. It is the plan that offers you professional investment management and life protection to help you create the wealth to meet your financial goals!

The ING Prime Capital Insurance plan is designed to make your money work for you by providing potentially higher returns to meet your long-term financial goals.

Depending on the amount of risk you are prepared to take, the plan offers a choice of investment funds to help you achieve your financial goals. You can also be assured that your funds are professionally managed for growth by a team of full-time investment professionals backed by the investment resources and expertise of our parent company; the ING Group.

Some of the plan features are fund switching, investment top up and fund withdrawals.

Benefits:
• Life protection
• Total and permanent disability coverage

Optional Benefits
• Accidental death coverage.

SMS or CALL +6012 207 5570

malaysia@insured-life.com

ING EDUCATION PLAN

ING Premier Education 15,16,17,18,19,20,21 Years

A world of opportunities for your child
Your newborn child deserves every golden opportunity when he or she comes into this world. As a parent, you only want the best for your child to grab all the opportunities given to him or her. The right education is absolutely necessary to give your child the head start he requires to succeed in today’s fast-paced world. A good education however, is costly and the cost of tertiary education continues to escalate in Malaysia as well as overseas.

The best way to provide your child with the advantage of a good education is to be prepared for these high expenses. Plan ahead and start saving even before your young Einstein starts his lifelong journey of knowledge.

ING Premier Education is an endowment plan with different policy terms. It gives you the opportunity of fulfilling your child’s aspirations and dreams. At the critical moment when your child progresses to his or her tertiary education, you will be able to provide the necessary funds and by doing so, will broaden the range of opportunities for your child.

ENGLISH

BAHASA MALAYSIA

CHINESE

FEATURES

A) This is an Endowment plan that participates in the company’s profit through deferred reversionary bonus which starts payable after 2 complete years.

B) Policyholders could choose any term of policy ranges from 15 to 21 years so long the expiry age (age upon maturity) is 25 years old to be eligible for tax deduction. Premiums are payable until maturity of the policy.

C) This plan offers guaranteed interim cash payments of 50%, 50% and 50% (also as maturity payment) in the last 3 years of the policy with the option to accumulate these interim cash payments till maturity.

D) This plan also comes with built-in accidental death/TPD benefit (Complimentary ADD rider (CADD)) where the sum insured will be doubled due to accidental cause.

BENEFITS
A) Guaranteed Interim Cash Payments (ICP)
B) Maturity
C) Death
D) Total & Permanent Disibility
E) Double Indeminity for Accidental Death
F) Education Excellence Award
G) Surrender
H) Education Loan
I) Policy Loan
J) Reduce Pay Up (RPU)
K) Non-forfeiture Option

ING Education Excellence Award

f1 Policy must be in force for full 3 years.
f2 Date of examination must be within 1 month to or on or beyond the full 3 years date.
f3 Entitled to only one education excellence award per life. d) Applicable for ING Education Savings Plan only.
f4 Only Malaysian’s educational results are recognize for this award.

How to apply ING Education Excellence Award

a) A copy of the ING Excellence Award form.
b) A certified true copy of the result/certificate by either School Headmaster or Customer Service Rep/Supervisor/Manager.

Min Qualifications
a) UPSR (Standard 6) -minimum 3 distinctions.
b) PMR (Form 3) - minimum 4 distinctions.
c) SPM (Form 5) - minimum 5 distinctions

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DISCLAIMER

Download Englsih Brochure

Download Bahasa Malaysia Brochure

Download Chinese Brochure

Contact Us SMS or CALL +6012 233 8369

ING PrimeLife Insurance

Flexibility and control with total peace of mind

Life is about living it to the fullest. About reaching for a higher goal. At different stages of your life you have different goals; whether it is owning the home you’ve always dreamed of, giving your children the best or just having the financial freedom to enjoy your golden years. Now, with ING Prime Life Insurance, your goals are within reach.

ING Prime Life Insurance offers insurance coverage and wealth creation opportunities to meet your different financial goals during the various stages of your life. The plan offers you the control to manage both your protection and investment needs. It is designed to remove your worries and start you living secure in the knowledge that you and your loved ones are protected against any untoward events.

You can also be assured that your funds are professionally managed for growth by a team of full-time investment professionals backed by the investment resources and expertise of our parent company; the ING Group, a global financial institution.

Some of the plan’s features are option to vary premium/ sum insured, fund switching, investment top up, fund withdrawals and premium holiday.

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Benefits:

• Life protection
• Total and permanent disability coverage

Optional Benefits:

• Accidental death and disability coverage.
• Disability income
• Critical illness protection ?Lightens the burden of extra expenses and medical costs incurred in the event      critical illnesses is diagnosed.
• Spouse protection - Provides yearly income to cope with difficult times in the event of death, total and          permanent disability or diagnosis of critical illness of the insured抯 spouse.
• Coverage for specific female illnesses and maternity benefits.
• Hospitalization and surgical benefits - this covers hospitalization and surgical expenses as well as out of      hospital benefit
• Premium waiver - Depending on specific events occurring on the life of the insured or the payor, all future    premiums would be waived. Let us pay for your premiums while you just focus on getting better.

Features This is a whole life unit-linked policy for which policyholders can get insurance coverage up to age 100. It also seeks to provide you with investment return through units allocated in the ING Investment Funds.

Benefits;
5-in-1 plan. This is an insurance plan with 2 major elements – protection and investment. You can choose your own protection and investment mix within the policy.

Flexibility
• Option to vary premium and sum insured
• Fund switching
• Investment top-up facility
• Cash out benefit
• Partial fund withdrawal
• Premium holiday

Whole life protection. This plan covers the insured up to age 100.

Optional Additional Coverage. This plan offers an additional protection with a whole range of riders attachable:-
• Accelerated Critical Illness Rider
• Accidental Death / Disability Rider
• Disability Income Rider
• Living Waiver of Premium Rider

ING MEDIPLUS RIDER

Your healthcare needs fulfilled at affordable costs With the escalating costs in today living, it is wise to take measures and exercise prudence in our spending. We are not spared when medical costs increase and we should not compromise on our health. When an unforeseen event especially concerning health happens to you, your loved ones and friends are also affected. What you need most at this time is to concentrate on immediate treatment and recovery. Mounting hospital bills should be the least of your worries. As our population mortality rate improves, the plan coverage up to age 80 years ensures you receive quality healthcare during the time you need it most.  Attached to ING Prime Life Insurance, this rider covers hospitalisation and out-of-hospital expenses. If you opt for the cashless facility (using ING Medical Card at our panel hospitals), we will pay the medical bills according to the plan you have purchased, without you having to make payment first. For non-cashless facility, you settle the medical expenses first, and submit for reimbursement later. Escalating costs? No worries, UL MediPlus will be there for you.

BENEFITS:
• No deductibles.
• Hospitalisation and surgical benefits
• Out-of hospital benefits
• Daily cash allowance if you hospitalized at a Malaysian government hospital
• 24 x 7 referral emergency assistance

ING HOSPITAL INCOME RIDER

The rider that provides your income when you need it most. Most of us labor through our busy schedules to provide for our loved ones and hope to make a better living. However, the same benefits may not be applicable to the self-employed or daily wage earners upon hospitalization. They have to deal with the loss of income due to their inability to work and yet still have to find solutions to meet the daily financial obligations and increasing medical expenses.  Attached to the unit-linked ING Prime Life Insurance plan, this rider is available in 8 selections ranging from a daily income of RM50 to RM400. It covers the insured up to age 80 years. The rider pays a daily income for each day of hospitalization, up to 365 days per illness or injury. With his financial burden lightened, the insured can focus on getting better.

BENEFITS:
• Daily income From RM50, 100, 150, 200, 250, 300, 350, 400 for up to 365 days of hospitalization per injury or illness

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